Legal analysis: acupuncture insurance can be claimed. After the accident, the insurer shall immediately file a claim with the claims agent. Insurance companies perform insurance contracts, perform insurance obligations and assume insurance responsibilities. Insurance companies should do a good job in claims settlement, so that the losses of the insured can be properly compensated, and the insurance function can be brought into play to ensure the smooth progress of social reproduction and the normal stability of people's lives and improve the reputation of insurance companies.

Legal basis: Article 23 of the Insurance Law of People's Republic of China (PRC) stipulates that the insurer shall promptly verify the claim for compensation or payment of insurance benefits made by the insured or beneficiary; If the situation is complicated, it shall be approved within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification result; For the insured, the obligation to compensate or pay insurance money shall be fulfilled within ten days after reaching an agreement with the insured or beneficiary. If the insurance contract stipulates the time limit for compensation or payment of insurance benefits, the insurer shall perform the obligation of compensation or payment of insurance benefits as agreed. If the insurer fails to fulfill the obligations stipulated in the preceding paragraph in time, it shall compensate the insured or beneficiary for the losses incurred therefrom in addition to paying the insurance money. No unit or individual may illegally interfere with the insurer's obligation to pay insurance money, and may not restrict the right of the insured or beneficiary to obtain insurance money.